Since credit card debt in this country has reached epidemic proportions it would be irresponsible of us, as parents, not to teach our teens how to handle credit cards and their finances before we send them off to college. Since credit card companies start to send their offers even before college age, it really is the perfect holiday gift we can give our teens to teach our teens how to handle credit cards and finances before we cut them loose in the world.By teaching our teens how to handle their finances we are allowing them the opportunity for them to start to make informed decisions about money matters. The financial decisions that our teens make early in their lives will determine whether they will have a prosperous financial future or a dismal one. We can give the perfect holiday gift for our teens by helping them make the right financial decisions early so that they do not have any financial regrets later in life.If we start to teach our teens how to handle their finances and credit cards while they are still in high school they will be much better prepare when they are in college and faced with the many offers the credit card companies will send them. Here are some ways we can begin to teach our teens how to handle credit cards and their personal finances:
Take an active role in providing our teens with financial information. Have them observe the way we use our credit, of course, we ourselves have to be responsible in our spending habits to be good role models to our teens.

Keep the lines of communication open and discuss with them the best ways to save and the best ways to invest their money. We need to teach them the value of savings. We live in a world of having to have everything now versus waiting until we can actually afford something through savings. We have to try and stop this pattern.

Open a saving account in their name. Nothing will teach our teens how to handle their finances better than having their own savings account. This makes them more responsible. They will tend to think more about what they purchase because they will actually have to withdraw the funds from their own account.

Insist that when they get money for their birthday, holidays or graduation, that they deposit at least one half in their savings account. This encourages and enforces the message you are trying to convey to them.

Teach teens how to handle their finances by showing them the difference between their needs, their wants and their desires. This lesson alone will help them continue to make good financial decisions in their future.
Try and seek out innovative money management tools that are designed specifically for your teen. There is one program that has been featured on the Today Show, the CBS Early Morning Show, and various other news programs and magazines that offers a way to teach your teens how to manage their finances with an online allowance and chore system. The system is set up to act as a tool for parents in helping teach financial responsibilities to their children. It includes chore charts and setting up allowances for teens. Parents are able to move money to their teens cards electronically. Parents have full control over the card and can monitor how the child is spending on the card. This helps parents teach proper money management to their teens. It also allows teens to upload pictures and art to create their very own card design.These card are becoming very popular with both parents and teens because it give teens flexibility and spending independence while parents are still in control over the card. The cards teach teens how to handle credit cards and their finances and teaches them about personal financial management and responsibilities. By using these cards, teens are able to learn about managing their finances to avoid getting into credit card debt in the future.

Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved.

According to the AppsFlyer, an app marketing company, the global uninstall rate for apps after 30 days is 28%. Entertainment apps are most frequently deleted, whereas apps based on Finance is least frequently deleted. No matter which app category you belong to, your strategy should be to remain in the mobile phones of users for a long time, and not just sit around but to fulfill your purpose as well.

If we analyze the encounters of users with an app step by step, it can help us unveil the critical factors that influence mobile app audiences, so that we can work upon those and achieve our purpose. Here are the details:

Step1. Finding Your App in Appstore

For this, we have to first find out what exactly users type to search an app. Based on a research, it has been found that 47% app users on iOS confirmed that they found the app through the App Store’s search engine and 53% app users on Android confirmed the same.

What have been their search queries? Interestingly, as the per the data provided by the TUNE research, 86% of the top 100 keywords were brands.With little scope for non-branded categories, most of the keywords were either of games of utility apps. Common keywords in the non branded category are: games, free games, VPN, calculator, music, photo editor, and weather.

Leaving brands aside, if we analyze the user-type of a Non-branded category, we will get two types of users:

1. Users are informed, and they know what they are search

2. Users are exploring possibilities, have no precise information in mind.

If you are a mobile app development company, targeting non-branded users, then your efforts must be directed to creating apps that compel these two types of users. To do so, we have to analyze once they are on an app store, what keywords they use to search. Regina Leuwer, with expertise in marketing & communications, bring some light to the subject. She reached out Sebastian Knopp, creator of app store search intelligence tool appkeywords, who shared with her the data of unique trending search phrases. And according to that data, in 2017, there were around 2,455 unique search phrases trending in the US.

Now, if we study these data to get information, we will find that name of the app is critical to attract the attention of the users.

If your app belongs to non-branded category, then make sure your app name is similar to the common search queries but also unique in comparison with your competitors. So that when your app name is flashed, they click it on to it, finding it purposeful and compelling both.

Step 2. Installation

Remember your users are on mobile devices has limited resources, from battery to storage and RAM to Internet. Everything is limited. So better create an application that is easy to download or say get downloaded with 5 minutes. One critical advice here:

1. Keep the application file size small.

If you are a developer, use APK Analyser to find out which part of the application is consuming maximum space. You can also reduce classes.dex file and res folder that contains images, raw files, and XML.

Step 3. Onboarding

After the user has successfully downloaded your mobile application, don’t leave anything on assumptions. Guide them properly. This you can do through an onboarding process, where users can learn the key functionality and where to begin with the mobile app. Below are the 3 things you need to keep in your mind when creating an onboarding process for your users.

Short and Crisp: The entire guidance of features and functions should be completed within few seconds, with easy options loud and clear option to skip.

Precise Information: Don’t introduce them to the app. They already know what they have downloaded. The objective to inform about the key functions and features.

Allow Users to Skip: Let the tech-savvy users skip the intro. Your app is to meet their requirement and not to have a friendly session.

Step 4. Purpose and UI
Here, the stage is set for your app and it is the golden chance for you to impress your users. What is needed here is the collaboration between purpose and UI of the app. It totally depends on the problem-solving capability and ease of use of the mobile app. Interface design plays the critical role, allowing the users to access features of the apps easily and quickly to perform the task for what they have downloaded the app. When it comes to interface design, make sure that the design is interactive and task-oriented. Here are some factors that you must take care off while creating mobile app interface:

1. Usability: The Mobile phone is an epitome of convenience and if your users find it difficult to use your app, then there is no way there are going to make the space for it in their mobile phones. From screen size to the color of the app, there are many factors that are equally critical and need attention.

2. Intuitive: To create an intuitive User Interface, you have to read the mind of the users, and develop a model based on that. The next should be precise, clear and ‘obvious’ in an interface.

3. Availability: Key features should be hidden in the drop down menu or even if so, it should be obvious for the user to look into the drop-down. An intricate work of design and research is required to make essential features available for the customers and they don’t need to navigate here and there.

If you need more help with the user-interface and innovative ideas for a mobile app, write to me [email protected] and I promise to get back to you with interesting mobile app designs.